Hour 3: Aired on Tuesday, September 20, 2016

- Sarah (Atlanta) needs help talking to her stepdaughter. 

- Claire (Kansas City, MO) is considering buying a new car. Should she?

- Michael (Tampa) asks for Dave's thoughts on cash value life insurance as an investing tool. 

- Dave answers Matthew's Twitter question. Are growth stock mutual funds recession-proof? 

- Dave rants about smartphones and how they've become a necessity. 

- Dave talks about Rachel Cruze's new book, Love Your Life, Not Theirs. 

- Dave shares the Scripture and quote of the day. 

- Shannon (Columbia, SC) received a $10,000 personal injury settlement. What's the smartest option for that money?

- Dustin (Madison, WI) wants to get friends involved and excited about Dave's plan. How can he do that?